PayLater is a flexible Buy Now, Pay Later (BNPL) solution that enables merchants to offer interest-free installment plans at checkout. It helps businesses boost conversions, increase average order value, and improve customer satisfaction through a seamless and secure payment experience.

Whether you're using a custom platform or a major eCommerce system, PayLater provides fast, scalable, and reliable integration options designed for modern digital businesses.

Supported Countries

• All countries (sandbox environment)

For more information, please check our official PayLater documentation page.

Link with PayLater

To connect PayLater with Fatora, you must provide the following information:

• Merchant ID
• API Key
• Outlet ID

Getting Your Credentials:

1. Login to your account on the PayLater dashboard.

2. Go to the Dashboard where you will find your Merchant ID, API Key, and Outlet ID.

3. Copy and save these credentials for your integration in Fatora.

Test Credentials (Sandbox)

MerchantID: 138
API Key: a4f9feba-19dd-47b7-8d09-268a25c44a35
Outlet ID: 1000000061

Test Shopper Accounts

The OTP for all accounts is 1234.

Successful Test Cards

• MasterCard: 5200 0000 0000 2151 – 10/2028 – CVV: 237
• Visa: 4000 0000 0000 2503 – 10/2028 – CVV: 442
• MasterCard (Non-3DS): 5200 0000 0000 0007 – 04/2026 – CVV: 256

Failed Test Cards

• MasterCard: 5200 0000 0000 2490 – 04/2028 – CVV: 256
• Visa: 4000 0000 0000 2370 – 06/2028 – CVV: 256

Test Debit Card (NAPS)

4215 3755 0088 3243 – Exp: 06/2026 – OTP: 123456 – CVV: 123